# Hdfc Bank Upi Rupay Credit Card

**Best for:** Frequent utility and grocery spenders

**Think twice if:** Rarely spends on utilities or groceries

**Key strengths:** Earn 3% Cashpoints on groceries · 2% Cashpoints on utility expenses · Low annual fee with spending waiver

## Fees

- **Joining Fee:** Joining Fee of Rs.99
- **Annual Fee:** Renewal Fee of Rs.99
- **Fee Waiver:** Spend Rs.25000  For Renewal Fee Waiver
- **Forex Markup:** 3.50% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** 3% Cashpoints on Dining

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